Retirement planning for incorporated professionals
Explore Whether the CPPP or PPP Is the Right Fit for You
Learn how pension planning may help incorporated physicians, professionals, and business owners build retirement assets more strategically using corporate income and long-term planning discipline.
For incorporated physicians and business owners
Coordinated with pension specialists
Illustrations available upon request
AT A GLANCE
Who typically explores these plans?
Clients with retained earnings inside the corporation
Professionals seeking planning beyond RRSPs
Owners who want a more structured retirement framework
Individuals who want to review an illustration before deciding
Canadian Physicians’ Pension Plan
Personal Pension Plan
You have retained earnings in your corporation
You have limited or fully used RRSP room
You want a more structured retirement planning strategy
You are looking for tax-aware long-term planning
You want to compare pension planning with your current approach
You would like a tailored illustration before deciding
PLAN OPTIONS
Two Pension Paths We Can Help You Explore
PLAN OPTIONS
The right fit depends on your profession, compensation structure, corporate earnings, age, and long-term retirement objectives.
CPPP
Canadian Physicians’ Pension Plan
Designed for incorporated physicians who want to evaluate a more advanced retirement planning structure than relying solely on RRSP savings.
Designed for incorporated physicians
Useful where RRSP room is limited or already maxed
Supports a disciplined retirement planning framework
Well-suited for physicians with retained earnings and long-term planning goals
PPP
Personal Pension Plan
A strong planning option for incorporated business owners and professionals who want a structured retirement strategy funded through the corporation.
For incorporated business owners and other professionals
Built for clients seeking a structured plan beyond conventional savings tools
Can align retirement funding with ongoing corporate profitability
Best evaluated through an individualized illustration
BENEFITS
Why Clients Explore CPPP or PPP
These plans are often explored by clients who want a more disciplined and tax-aware framework for long-term retirement planning.
Use corporate cash flow more strategically
Go beyond RRSP-only planning
Create a more structured retirement strategy
Receive a tailored illustration based on your profile
Coordinate with specialized pension experts
Align retirement planning with long-term corporate goals
PROCESS
How the Process Works
We keep the process simple, practical, and focused on whether the opportunity is worth pursuing further.
Review the Basics
Start with a high-level overview to determine whether CPPP or PPP may be relevant to your situation.
Request an Illustration
Start with a high-level overview to determine whether CPPP or PPP may be relevant to your situation.
Speak With an Expert
We coordinate a tailored illustration based on your age, compensation profile, and corporate structure.
EDUCATIONAL EVENT
Upcoming Pension Webinar
Join our upcoming educational webinar with Jean-Pierre Laporte, CEO of Integris, for a practical overview of pension planning opportunities for incorporated physicians, business owners, and professionals.
A strong first step if you are not ready for a one-on-one discussion.
Frequently Asked Questions
What is the difference between CPPP and PPP?
CPPP is generally intended for incorporated physicians, while PPP is typically explored by incorporated business owners and other professionals. The right fit depends on your profession, compensation structure, and retirement objectives.
Do I need to max out my RRSP first?
Not necessarily. Many clients explore CPPP or PPP when RRSP room is limited, already used, or no longer sufficient for their long-term planning goals.
Can I request an illustration before deciding?
Yes. In most cases, a high-level illustration is the best next step before determining whether the strategy is worth pursuing further.
How do Bond and Integris work together?
Bond helps identify planning opportunities and coordinates the next step with our pension planning partners, who provide specialized illustrations and pension guidance.
Is this only for physicians?
No. CPPP is physician-focused, while PPP may be relevant for incorporated business owners and other professionals.
NEXT STEP
Find Out Whether a Pension Plan Makes Sense for You
If you are an incorporated physician, professional, or business owner with retained earnings and an interest in long-term retirement planning, we would be pleased to coordinate the next step.
Contact
Christopher Powis
Client Services & Corporate Tax Specialist
Email: christopher.powis@bondconsulting.ca
Tel: 416 503 4607 x244
Bond Consulting Group
The information on this page is general in nature and is provided for educational purposes only. Suitability depends on individual circumstances, including profession, compensation structure, age, corporate profile, and long-term retirement objectives.
Planning support
Coordinated with Bond and our pension planning partners at Integris.
